Tend — track your money, calmly
Tend is a free, calm personal-finance tracker and budget app.
See your income, spending, savings rate, goals and an investing streak each
month, in plain language. Tend defaults to the Moroccan dirham (MAD) with
full multi-currency support, and is fully available in English, Français and
العربية with right-to-left support — an easy money tracker and expense
tracker for everyday budgeting.
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Everything you need to budget with less stress
Track income & spending
Log transactions in seconds and see exactly where your money goes each month, by category.
Savings goals
Set goals for an emergency fund, a trip or a big purchase, and watch your progress build.
Investing streak
Build the habit of investing every month and keep a streak going, with an optional path to start investing.
Multi-currency
Budget in the Moroccan dirham (MAD) or any currency you use, with clean, locale-aware formatting.
Works offline
Install Tend on your phone and keep logging transactions offline — they sync automatically when you reconnect.
Lent & owed
Track money you've lent or borrowed and settle up without the awkward math.
Frequently asked questions
Is Tend free to use?
Yes. Tend is a free personal-finance tracker. Create an account and start tracking your income, spending and savings in minutes — no card required.
Does Tend work for Morocco and the dirham (MAD)?
Yes. Tend defaults to the Moroccan dirham (MAD) and supports multiple currencies, so you can budget in the currency you actually use.
Can I use Tend offline?
Yes. Tend is an installable app that works offline: open it and log transactions without a connection, and they sync automatically when you're back online.
Is my financial data private?
Your data is yours. Tend never asks for a national ID, keeps each account isolated, and lets you export or delete everything at any time. It is educational and not financial advice.
What languages does Tend support?
Tend is fully available in English, French and Arabic, with complete right-to-left support for Arabic.
Is signing in to Tend secure?
Yes. Tend supports optional two-factor authentication and lets you review the devices and sessions signed in to your account.
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Tend needs JavaScript for the full app. It is educational and not financial advice.